Auto Dealer Insurance — Coverage, Cost & Requirements
Dealer open lot, garage liability, and garagekeepers coverage for new and used car dealerships.
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What Coverage Does Auto Dealer Insurance Include?
Most auto dealer businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Dealer Open Lot
Dealer Open Lot coverage tailored for auto dealer businesses.
Garage Liability
Covers auto repair shops for bodily injury and property damage from garage operations.
Garagekeepers
Covers customer vehicles in your care while in your shop.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Crime
Covers theft, employee dishonesty, forgery, and fraud-related losses.
How Much Does Auto Dealer Insurance Cost?
The cost of auto dealer insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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